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Learn About Indexed Universal Life (IUL)

Either people hate IUL or hype it up! Stock jocks say IUL won’t beat the S&P 500, while IBC-zealots say it’s not as steady as Whole Life. And…they’re both right!

IUL has a unique risk/reward tradeoff. It’s best for a chunk of liquidity you want to keep safe, but still have an opportunity for double-digit annual growth.

IUL can be a unique add-on for IBC and as a retirement buffer. Our in-depth articles & videos dissect how it works and a full examination of IUL’s pros & cons.

– John “Hutch” Hutchinson

Infinite Banking with IUL: Can IBC Work with Indexed Universal Life?

Detailed IUL Articles:

Best IUL Companies for Cash Accumulation (2026 Reviews)

Read our reviews on the best-performing IUL carriers. Understand the company criteria, product features, and policy riders that make these top insurance companies that offer the top-performing Indexed Universal Life policies available today for tax-free retirement income and wealth building.

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AG49-A How we got here

Actuarial Guideline 49 has been bolted onto and re-stitched to the point where it’s degenerated into a grotesque monster with a life of its own.

Like the road to hell, AG49’s original path was paved with good intentions. Its stated aim was to alleviate confusion by creating uniformity among IUL illustrations plus additional disclosures to aid in consumer understanding.

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Detailed IUL Videos:

Historical Market Movements and IUL

This video looks all the way back to the year 1900 to see how market movements over different periods could have affected Indexed Universal Life insurance. We also specifically reference an 81-year study of the S&P Index to see how capped and uncapped IUL strategies would have both performed.

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Criticisms of Indexed Universal Life

This video explores the common criticisms of IUL and why Universal Life Insurance often gets a bad rap from the financial media & competing offerings in the financial sector. Better understand IUL’s fees & charges, taxation of Indexed Universal Life, and how IUL’s growth mechanisms work.

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Cash Value + Death Benefit – Do I Get Both?

This video answers the age-old question of whether you get both the cash value and the death benefit from a life insurance policy when you die, or just the cash value. The truth of the matter is, you get to choose whether you want both or not. Life insurance is similar to everything else in life, you get what you pay for.

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What Happens to IUL When It’s Late-Funded

What if you don’t pay your IUL premium on time? What if you planned on max-funding, but then hit some financial bumps in the road? Don’t worry, you can always pump in those premiums later on. This video shows how your Indexed Universal Life policy would be impacted if you did.

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ADVANCED IBC LEARNING

Take your learning of privatized banking to the next level with our free-mium content.

The PDF Starter Guide to Using Whole Life for Infinite Banking Concept

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Hutch's "4-D Banking" System Explained: Comprehensive Banking Strategies

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Ready to Dig Even Deeper?

Here are 3 more content collections on IBC products, borrowing mechanics, and 4-D Banking.

Better Understand The Basic Concept of IBC

Jump Into the IBC Concept

Better Understand Whole Life Products for IBC

Jump Into IBC Products

Learn More About How IBC Borrowing is Different

Jump Into IBC Borrowing
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